It is helpful to know what kind of insurance cover you will have before any incident, including an accident at work. Thousands of people suffer from an accident at work each year, and it is important to know that you may be entitled to: an immediate claim assessment, free advice service, and 100% compensation. In order for an accident at work to be so covered, it must be proved that your employer breached his/her “duty of care in safeguarding your wellbeing whilst in the workplace or carrying out your duties,” according to The Claims Connection.
Many of the services providing advice on any accident at work breakdown the possible accidents at work into the following categories: working with machinery, cranes, forklifts, tools and equipment, unsafe premises, ladders and scaffolding, and/or inadequate training.
A case study by The Claims Connection gives the following example of an accident at work: A young woman works at a shop, arranging displays and tending the register. On an understaffed day, a rush of delivery trucks arrives, and the salesclerk is asked to help in the unloading of the trucks. No helpful machinery is offered to assist in the unloading. After lifting several boxes, she begins to feel pain in her back, which becomes quite severe. She is taken to the hospital and diagnosed with a back injury. This accident at work will then follow the next outlined actions.
If you contact a service looking for compensation for an accident at work, the first step will be to determine if you are eligible for compensation, using the previously mentioned assumption that your employer was negligent in his/her duties to you. Then, you will most likely be assigned an employment liability solicitor who will work with the employer’s insurers. If the latter group agrees that the employer had neglected his/her duties to the employee, which resulted in an accident at work, the focus of the investigation into the accident at work will switch to compensation.
Possible compensation for an accident at work can include: payment of the doctor’s bills, “pain and suffering” allowances, and back-pay to cover past, related medical bills.